CN101390123A - Money transfer cards, systems and methods - Google Patents
Money transfer cards, systems and methods Download PDFInfo
- Publication number
- CN101390123A CN101390123A CNA2006800169437A CN200680016943A CN101390123A CN 101390123 A CN101390123 A CN 101390123A CN A2006800169437 A CNA2006800169437 A CN A2006800169437A CN 200680016943 A CN200680016943 A CN 200680016943A CN 101390123 A CN101390123 A CN 101390123A
- Authority
- CN
- China
- Prior art keywords
- money transfer
- remittance
- money
- records
- transfer records
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Abstract
The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor.
Description
Technical field
[0001] the present invention relates generally to field of money transfers, particularly be used to start, convenient, money transfer cards, the system and method for handling and/or carry out remittance.
Background technology
[0002] current remittance program relates generally to the individual and goes to remittance agency (for example west connection (Western Union) agency), and gives customer service agent with various personal information.This personal information can comprise sends out money people and payee's name and address, the proof of identification and the amount of money that will converge.This information is imported into funds transfer system, and is used to generate money transfer records.In case from sending out the money that the money people receives needs remittance, the payee just goes to another one remittance agency (such as another Xi Lian agency) to take out this remittance.The payee before withdrawing the money, may need to provide the remittance number and/or proof of identification.Usually, all to carry out this program, even a money people and payee are that same individual also is like this to each remittance subsequently.As a result, the people who frequently adopts funds transfer system to send out money will provide many identical information repeatedly, and go to agency or the agency that is exclusively used in remittance.In addition, remittance must start by the direct interaction between client and the money transfer organization and finish usually.So wish this is improved.
Summary of the invention
[0003] the present invention relates generally to field of money transfers, and be particularly related to be used to start, convenient, money transfer cards, the system and method for handling and/or carry out remittance.Method of the present invention is particularly useful to (In-lane) starting remittance at " in the passage ", for example in the situation of retail shop shopping.In this manner, client when being devoted to finish other shopping or task, perhaps when client not being in the agency that only is used to remit money the time, also can start remittance.
[0004] in one embodiment of the invention, the method for convenient remittance comprises sets up money transfer records, and receives the remittance activation request that is associated with this money transfer records from vendor location.This method comprises the fulfillment request that acceptance is associated with this money transfer records, collects customer data set, and authorizes the remittance that this money transfer records is associated.This remittance is convenient to carry out by generating money transfer records, and this money transfer records can generate before remittance activates request.Then, client just can start remittance in vendor location.In certain embodiments, money transfer records comprises money transfer amount, account identifier and code.In this embodiment, the reception of fulfillment request comprises from money transfer customer reception this account identifier and code.On behalf of (CSR), interactive voice question and answer unit (IVR), Website, fulfillment request can wait and receive by customer service.
[0005] in one aspect, this method comprises makes money transfer cards be associated with money transfer records, and submits money transfer cards to vendor location.On the other hand, the reception that remittance activates request comprises acceptance and money transfer records accounts associated identifier, and this account identifier is just on this money transfer cards.In this manner, can generate money transfer records, and this money transfer records can adopt and can start at the money transfer cards that vendor location is bought or ask.This vendor location can be used to the remittance between the convenient client, this vendor location can comprise certain point of sale device, and it can be retail shop, dealer and dealer (such as grocery store, refuelling station, shopping mall, airport or the like).
[0006] in some aspects, activate request and comprise money transfer amount and money transfer fee.Money transfer fee can be fixed expense (for example each remittance is paid the fixing dollar amount of money), also can be variable cost (number percents of the dollar amount of money that is for example converged).The request of activation can also comprise account identifier, Customer Name or the like.In certain embodiments, activate request and also comprise payment or payment record.In addition, can set up a plurality of money transfer records, each records a money transfer cards that is associated.Can submit these money transfer cards to various retails or vendor location then, do shopping so that wish the client who remits money.In some aspects, collected customer data set generally includes remittance promoter's name and/or the beneficiary of remittance's name.Collected data also can comprise a side or both sides' additional information, comprise address, telephone number, Mobile Directory Number, e-mail address, social security number, birthday, licence number, employee identification number, password or the like.
[0007] in one aspect, authorize first client who also comprises to being associated for remittance the remittance control number is provided with this customer data set.For instance, the money granting that is associated with money transfer records can carried out when second client who is associated with this customer data set receives this remittance control number.In this manner, additional security measure can guarantee suitably that a correct side receives this remittance.
[0008] in another embodiment of the present invention, the method for convenient remittance comprises that setting up money transfer records also matches this money transfer records and money transfer cards.This money transfer records and this money transfer cards have account identifier associated therewith.The remittance that is associated with money transfer records activates request and is received, and this activation request comprises this account identifier.This method comprises the remittance fulfillment request that reception is associated with money transfer records, and this fulfillment request also comprises this account identifier.In some aspects, this method comprises by the remittance of the amount of money mandate that is associated with money transfer records to the beneficiary of remittance.
[0009] the present invention also provides startup, processing, convenient and/or carry out the system of remittance.This system comprises a host computer system, and this host computer system has the processor that is coupled to database.This host computer system also comprises the code that is used to carry out the whole bag of tricks of the present invention or method step.In special embodiment, this code comprises the code that is used to set up money transfer records, activate request, receive the fulfillment request that is associated with this money transfer records and collect customer data set so that receive the remittance that is associated with this money transfer records, and the money transfer cards that is associated with this money transfer records is authorized.This main frame can also comprise and is used to code that money transfer cards is associated with this money transfer records.
[0010] in some aspects, this system comprises the point of sale device that is positioned at vendor location.This point of sale device is suitable for receiving remittance from this money transfer cards and activates request, and is suitable for submitting to this remittance to activate request to host computer system.In some aspects, point of sale device receives and money transfer records accounts associated identifier from money transfer cards, and starts remittance activation request.In some aspects, the startup of remittance activation request can be carried out when point of sale device sends to main frame with account identifier.In one aspect, host computer system comprises first main frame and second main frame, and first main frame has the code that is used to set up money transfer records, and second main frame has and is used for code that the remittance that is associated with this money transfer records is authorized.In yet another aspect, this system comprises the code that is used to collect customer data set and this customer data set is associated with this money transfer records.
[0011] according to following detailed description, claims and accompanying drawing, other purposes of the present invention, characteristics and advantage will become fairly obvious.
Description of drawings
[0012] Figure 1A and Figure 1B are respectively the front and back graphic simplicity of money transfer card assemblies according to an embodiment of the invention;
[0013] Fig. 2 is used for making the simplified schematic system of convenient remittance according to an embodiment of the invention; And
[0014] Fig. 3 is the simplified flow chart of method according to an embodiment of the invention.
Embodiment
[0015] present invention resides in the system and method that startup between the client, facility, processing and/or execution are remitted money.All embodiment of the present invention to hope needn't be in person just to send the client of debt to remittance agency (such as Xi Lian agency) particularly useful.The number of agency that can start remittance is owing to using system and method for the present invention to be increased.Some embodiment can make transactions velocity increase and be convenient to client.
[0016] Figure 1A and Figure 1B represent the front and back view of money transfer card assemblies 100 according to an embodiment of the invention.Assembly 100 comprises first carrier part 120 that is coupled to money transfer cards 110.In one embodiment, carrier part 120 and money transfer cards 110 are coupled along neighboring edge.First carrier part 120 and money transfer cards 110 can be made by single piece of material, and a line of weakness separates carrier part 120 and card 110.In one embodiment, shown in Figure 1A and Figure 1B, second carrier part 122 is coupled to the opposite side of card 110.The person skilled in the art will be understood that within the scope of the invention, money transfer cards can be coupled to carrier according to additive method.As seen carrier part 120 and card 110 additive methods that are coupled are transferred the U.S. Provisional Patent Application No.60/638 assignee of the present invention, application on Dec 20th, 2004,097, its title is " Transaction CardAssemblies; Systems and Methods of Making (transaction card assemblies, system and method for making) ", and its whole patent specification is hereby with reference to enrolling.In addition, in other embodiments of the invention, money transfer cards 110 does not have carrier or carrier part when showing and/or sell.
[0017] first carrier part 120 comprises the blank 124 that can hold literal, image etc.In this manner, carrier part 120 can be utilized for the money transfer cards 110 of its coupling and do advertisement, and/or provide and can adopt the relevant information of money transfer transactions of card 110 imitation.Carrier part 120 can also comprise that perforation 126 is so that hang over assembly 100 on the J-shaped suspension hook or on other point-of-purchase display plates.Adopt this mode, money transfer card assemblies 100 can be introduced to the potential customer, for example introduces the client on each retailing facility check-out counter next door to.
[0018] shown in Figure 1A, in one embodiment, the front of money transfer cards 110 also comprises literal, image or the like, is labeled as 114.For instance, this literal comprises and the face amount of card 110 remittances that are associated, the title of money transfer organization (for example west connection), retailer or dealer's title or the like.In one embodiment, account identifier 112 is arranged at or the protruding surface that is imprinted on money transfer cards 110.In one embodiment, account identifier 112 is unified product codes (UPC) that the point of sale device that can be used by each vendor location is read.According to kind of a mode, wish that the client who remits money with special denomination can select money transfer card assemblies 100 suitable, that meet this denomination.Then, this client employee that money transfer card assemblies 100 is submitted to the point of sale device of this vendor location or operated this point of sale device.Point of sale device reads account identifier 112 and collects the designated amounts of buying money transfer cards 110 to client.In one embodiment, client is collected the amount of money that is associated with money transfer cards 110, and this amount of money comprises the amount of money and the whole money transfer fee that will converge.In another embodiment, client is by the independent money transfer fee of being collected money transfer amount and being associated with purchase money transfer cards 110.For instance, in one embodiment, corresponding 100 dollars of ($100.00 of money transfer cards 110) remittance, and buy nine dollar of 90 Nickel ($9.95 of money transfer card assemblies 100 costs) just reflect money transfer fee.
[0019] shown in Figure 1B, in one embodiment, the back side of money transfer cards 110 comprises account or card identifier 118.In one embodiment, account identifier 118 is alphanumeric character strings.In certain embodiments, account identifier 118 is corresponding to the account identifier 112 in card 110 fronts.In one embodiment, card 110 has only an account identifier 112,118.Account identifier 112,118 can adopt different forms within the scope of the invention, for example, can be alphanumeric character string, Universial Product Code (UPC:Universal Product Code), magnetic stripe or the like.In this manner, the buyer of money transfer card assemblies 100 has the designated account identifier that is associated with this money transfer cards 110, and for fulfiling remittance subsequently, this will be illustrated below.In certain embodiments, card 110 comprises the code 116 at its front or the back side.Code 116 can adopt different forms within the scope of the invention, for example, can be alphanumeric character string, Universial Product Code (UPC), magnetic stripe or the like.Code 116 can be similar to PIN, and it is unique to relevant money transfer cards 110.In certain embodiments, but code 116 be hidden under the scratch-off surface.In this manner, client just obtains code 116 after vendor location is bought money transfer card assemblies 100.
[0020] some embodiment special advantage is, client can buy money transfer card assemblies 100 in each vendor location.In addition, in certain embodiments, each vendor location does not need specific software, need not import the details of purchasing the card people the employee of vendor location magnetic stripe yet.In certain embodiments, software and hardware that allow to buy card assembly 100 is equivalent to or is similar to the hardware and software that is used for selling stored value card.In certain embodiments, money transfer organization to as if adopt specific residential block, area of suitable card assembly 100 or the like.For instance, in large-scale Spanish residential block, the money transfer organization input is thereon with Spanish money transfer card assemblies 100 as main language.In this manner, money transfer card assemblies 100 is understood in market statistics scale sale per capita to obtain growing sales volume.By the remittance that research starts in each vendor location, money transfer organization also can be by suitable method input remittance denomination.For instance, if a large amount of great number dollar remittances appear in specific shop, just can drop into the high denomination money transfer card assemblies 100 of greater number in this shop.
[0021] after having bought money transfer cards 110, client just can ask to fulfil remittance with getting in touch with card 110 money transfer organization that are associated (for example the west joins).Within the scope of the invention, fulfiling of remittance can be adopted accomplished in many ways.For instance, first client 130 can come remittance agency (such as Xi Lian agency), provides relevant information to first client 130 and second client's 140 customer service representative (CSR), and second client 140 is exactly the expection payee of the debt of being converged.In one embodiment, client 130 provides account identifier 118 and/or code 116 to ask to fulfil remittance by the card of buying in advance from client 130 110 to CSR, IVR and/or money transfer organization website.For instance, when first client 130 be between these two clients transaction send out the money man-hour, will this thing happens.CSR adopts suitable software with collected information input computer based system.In other embodiments, Customer Information by phone, move or wireless device or the like is communicated to CSR or interactive voice question and answer (IVR) system, so that submit the fulfillment request of remittance to.
[0022] another kind of method is, fulfillment request can execution when first client 130 is input to money transfer organization website (for example west networking location) with Customer Information.In these embodiments, client 130 provides account identifier 112,118 and/or code 116 to money transfer organization.This money transfer organization website also can point out first client 130 that further information is provided, such as birthday, licence number, password or the like, individual's for confirmation identity.Can implement according to Patriot Act (Patriot Act) or other federations, state or local legislation from client 130 and/or 140 quantity of information that obtain.
[0023] in one embodiment, first client 130 is provided remittance control identifier or number in the process of fulfillment request.Within the scope of the invention, this control identifier can adopt various ways, comprises alphanumeric character string.Within the scope of the invention, provide the remittance control number to be undertaken to first client 130 by various mechanism.For instance, this control number can provide to them when the remittance that is associated with money transfer cards 110 is fulfiled in first client, 130 requests.In another embodiment, the remittance control number can according to and the similar approach of the mailing PIN (PIN) that usually adopts of ATM (Automatic Teller Machine) (ATM) posted to client 130,140 a side or both sides.In another embodiment, the remittance control number can be emailed to client 130 and/or 140.In yet another embodiment, the remittance control number is corresponding to code 116.Client 140 accepts this remittance again after money transfer organization provides remittance control number and other possible proofs of identification.
[0024] in certain embodiments, first client 130 can determine: the remittance that is associated with money transfer cards 110 will be sent to a plurality of clients, or will be sent to independent client in the mode that increases by stages.For instance, in the fulfillment request process, first client 130 indicates: the remittance that is associated with purchasing money transfer cards 110 will be sent to a plurality of clients.In this embodiment, first client 130 can receive a plurality of remittance control identifiers.For instance, if this remittance should distribute between two payees, first client 130 just can receive two remittance control identifiers, and every acceptor uses an identifier when attempting to receive this remittance abroad fund.Similarly, perhaps first client 130 wishes money is sent to one or more payees, but will gradation remit money in a period of time.For instance, perhaps first client 130 has bought 500 dollars of ($500.00) money transfer cards 110, but wish that right payee receives 100 dollars of ($100.00 weekly in 5 weeks).In this embodiment, can provide one or more remittance control identifiers to first client 130, when the beneficiary of remittance presented these identifiers, these identifiers can help to show to money transfer organization: have only the part money transfer amount to be issued.
[0025] refer now to Fig. 2, it will be described be used to start, convenient, handle and/or carry out remittance, according to the present invention the system 200 of all embodiment.System 200 comprises the card processing host system 240 that is coupled to database 242.In one embodiment, card processing host system 240 comprises a station server or other computer based devices, so that the money transfer records that generation and maintenance are associated with money transfer cards 110.In one embodiment, host computer system 240 is by third party's (for example west connection and other money transfer organization) operation.Database 242 is safeguarded money transfer records, and these records can comprise money transfer cards identifier 112,118, code 116 and money transfer amount.
[0026] card processing host system 240 can comprise or be coupled to the server of safeguarding networking location 270, west, and first client 130 fulfils data with remittance and is input to this server.Similarly, host computer system 240 can have other user interfaces for customer service representative input remittance fulfillment information.For instance, card processing host system 240 can comprise or be coupled to the interactive voice question answering system, so that make client 130 can ask to fulfil remittance.
[0027] system 200 also comprises money transfer host 260 and relevant database 262.Main frame 260 comprises monitoring, authorizes and handles the necessary hardware and software of remittance between first client 130 and second client 140.As shown in Figure 2, money transfer host 260 directly or by network 230 is coupled to card processing host 240.Network 230 can comprise telephone network, credit card net, wide area network, the Internet, wireless network or the like.And according to being used for transmitting the information processing device type, these equipment also can be coupled to banking network, such as credit card net or ATM (Automatic Teller Machine) (ATM) net, perhaps also can be directly coupled to other host computer systems.In addition, money transfer host 260 can be coupled to network address 270 or other make client 130 and/or CSR carry out interactive interface mechanism with money transfer host 260 and card processing host 240.
[0028] in one embodiment, in order to receive this remittance, second client 140 comes remote terminal or system 250.Remote system can be business booth, remittance agency (such as Xi Lian agency) or the like.In one embodiment, in order to help to coordinate the remittance of client 130 and 140, remote system 250 also comprises computer system, Relational database (not shown) and other necessary hardware and software.In one embodiment, remote computer system 250 is coupled to money transfer host system 260, thereby the data-base recording of safeguarding in the database 262 can be visited by remote computer 250.This coupling between remote system 250 and the host computer system 260 can be direct coupling, also can be the coupling by network 230 shown in Figure 2.
[0029] although the system that main frame 240 and 260 is expressed as separating, main frame 240 and 260 can be formed an independent system. Host computer system 240 and 260 can also comprise other parts except illustrated parts, for example comprise a plurality of databases with convenient storage with obtain the money transfer cards related 110 information and money transfer records with it.
[0030] in certain embodiments, the part of system 200 can be arranged on retail direct marketer, dealer etc. and locate, such as grocery store, refuelling station, airport or the like.In one embodiment, retail shop has a vendor system that is associated 220 that is coupled to database 222.Vendor system 220 also is coupled to point of sale (POS) equipment or terminal 210.This coupling can be direct coupling, also can be the beam coupling by network 230.For instance, the direct coupling between vendor system 220 and the point of sale device 210 can comprise the point of sales terminal 210 of store locations, and it is coupled to vendor system 220 by physics or by wireless mode.In certain embodiments, vendor system 220 comprises server, computing machine or the like, and they can be installed in the inner room of shop or retail agency.
[0031] vendor system 200 and its database that is associated 222 can comprise the record relevant with the shop miscellaneous.For example, in certain embodiments, database 222 comprises inventory list, price list, dealer's list, employee information or the like.In certain embodiments, point of sale device 210 just is placed in the grocery store that has the shiploads of merchandise that can supply purchase of customer.Usually, this point of sale device constitutes the parts of cash register system, and in this system, the employee in client or this shop or employee scan point of sale device 210 with commodity UPC or merchandise news.The price that point of sale device 210 is associated with these commodity from vendor system 220 acquisitions.Then, the add up total price of all commodity that first client will buy of point of sale device 210, and show these total prices to client 130.Then, first client 130 pays the bill for the commodity of wishing purchase and leaves this shop.If pay the bill, will be with the commodity of purchasing the payment authorization process to occur before leaving client with credit card, personal cheque etc.The person skilled in the art knows that this mandate may relate to standard credit card mandate or check mandate.Payments such as client 130 also can be in cash, draft, traveller's check.
[0032] in certain embodiments, vendor system 220 is not installed in the store locations, and is mounted in the regional agency.For instance, grocery store's linkage point can have independent regional vendor system 220, and it safeguards shop inventory record and price and the price relevant with sold goods in the shop.Point of sales terminal 210 in one or more store locations is coupled to vendor system 220.In this manner, stock and price are except the shop is managed by the director of store, also by the regional standard management.In another embodiment, vendor system 220 is that the third party has, is used for a system of convenient various transaction.In some cases, vendor system 220 is positioned within the third party transaction treatment facility.
[0033] in certain embodiments, point of sales terminal 210 is communicated by letter with vendor system 220 by network 230.About can be used among some embodiment of the present invention from/obtain, transmit and/or receive the further specifying of point of sale device 210 of information to host computer system 220, as seen transfer U. S. application No.10/116 assignee of the present invention, the while pending trial, 689, its title is " Systems and Methods for Performing Transactions at a Point-of-Sale (carrying out the system and method for transaction in the point of sale) ", application on April 3rd, 2002, its whole patent specification are hereby with reference to enrolling.
[0034] in some cases, first client 130 adopts the said procedure shopping in the shop, but also wishes to start the remittance to second client.In certain embodiments of the present invention, system 200 is suitable for allowing first client 130 adopt point of sales terminal 210 to start remittance in this store locations.In certain embodiments, client 130 selects money transfer card assemblies 100 and presents assembly 100 to the employee of point of sales terminal 210 or operation point of sales terminal 210.In one embodiment, account identifier 112 and/or 118 is read from blocking 110 by POS equipment 210, and is sent to card processing host 240.In this manner, main frame 240 is apprised of: be requested with card 110 remittances that are associated.In certain embodiments, main frame 240 returns mandate to POS equipment 210 so that finish the sale of card 110.In other embodiments, the price of card 110 is read by POS equipment 210, and in certain embodiments, the price of card 110 had both comprised that money transfer amount also comprised money transfer fee.
[0035] then, the employee of POS equipment 210 or operation POS equipment 210 collects money from client 130 according to money transfer card assemblies 100.In certain embodiments, be presented to the amount of money that client 130 collects on the card assembly 100.In other embodiments, host computer system 240 returns money transfer authorization to POS equipment 210, comprises the amount of money of collecting to this client.In certain embodiments, money transfer amount is collected from client 130, and all money transfer fee can be deducted from the receipts amount of money.In other embodiments, POS equipment 210 is accepted host computer system 240 instruction, collect with block the money transfer amount that assembly 100 is associated outside collect money transfer fee.In certain embodiments, money transfer fee is the variable amount of money, such as the number percent of money transfer amount.The commodity that are similar to just buying on POS equipment 210 of collecting of expense are implemented business tax.In other embodiments, money transfer fee is the amount of money of fixing (5 dollars of for example each remittances).In other embodiments, perhaps adopt other money transfer fee, such as certain variable fare (every remittance is handed over 5 dollars of expenses, 50 dollars of ultimate costs for 100 dollars).In certain embodiments, vendor system 220 is safeguarded the money transfer fee planning chart.Money transfer fee can comprise the operator's that will pay host computer system 240,260 expense, and can comprise the operator's that will pay vendor system 220 expense.
[0036] in one embodiment, host computer system 240 and the database 242 that is associated are safeguarded the money transfer cards record of part or all.In this embodiment, point of sales terminal 210 is communicated by letter with main frame 240 so that start or convenient remittance by network 230.In one embodiment, main frame 240, main frame 260 and/or remote computer 250 or they be associated database 242,262 on the operation appropriate software carry out the remittance process.To be illustrated in conjunction with Fig. 3 about details according to some method of the present invention.
[0037] when client 130 paid the bill for the commodity bought in the shop and/or for remittance, perhaps this payment needed further mandate.For instance, if client 130 uses Credit Card Payments, just can adopt point of sales terminal 210 operative norm credit card authorizations.Similarly, if the payment of client's 130 usefulness personal cheques just can be carried out the check licensing process at point of sales terminal 210.In certain embodiments, 130 of clients are that remittance is paid.In other embodiments, client 130 can pay for remittance, also can pay the bill for the extra commodity of buying in the store locations of operation point of sales terminal 210.For instance, in this manner, client 130 can finish the multi-task by buying groceries or other commodity of wishing in the shop and starting remittance.
[0038] in certain embodiments, adopt Automatic Clearing House (ACH) system and process, West Union system or other funds transfer systems, point of sales terminal 210 is transferred to card processing host system 240 or money transfer host system 260 for the payment that remittance is received.In certain embodiments, host computer system 240,260 is in order to go control or to help control ACH process from client's 130 payments that receive, that be associated with remittance.In this manner, main frame 240,260 can be controlled the remittance process, so that the debt that point of sales terminal 210 is received can be used for second client who is associated with purchasing money transfer cards 110.Other details of the remittance that uses about the present invention, as seen transfer the U. S. application No.10/206 of generation assignee of the present invention, application on July 26th, 2002,661, its title is " Money Transfer Systems and Methods for Travelers (tourist's funds transfer system and method) ", and its whole patent specification is hereby with reference to enrolling.
[0039] sees that now Fig. 3 illustrates of the present invention someway 300.As shown in Figure 3, method 300 comprises and sets up money transfer records (frame 310).For instance, this can relate to card processing host system 240 and generates money transfer records and this record is associated with money transfer cards 110 for the sale of various vendor location.Method 300 comprises that receiving remittance activates request (frame 320).Remittance activates the reception of request can carry out according to above-mentioned any method.For instance, this activation request can be embedded into UPC, perhaps is embedded into by the money transfer cards that the employee received 110 of point of sale device 210 or magnetic stripe 210 or the magnetic stripe on the card assembly 100.In one embodiment, this activation request is sent to host computer system 240 subsequently.
[0040] method 300 comprises the reception payment record that can choose wantonly.The reception of payment record can comprise by point of sale device 210 and/or vendor system 220 and send records to host computer system 240 and/or 260, this record declaration: receive the payment that remittance carried out that is associated for money transfer cards 110 that client 130 buys from client 130.Payment record can reflect that the amount of money and the money transfer fee (if any) that will converge collect.In other embodiments, activate request and can notify money transfer organization when operation: money transfer amount and expense are collected.In certain embodiments, payment is carried out in fulfillment request process subsequently by first client 130.
[0041] method 300 comprises reception fulfillment request (frame 330).As mentioned above, fulfillment request is being bought money transfer cards 110 back startups by client 130 usually.If host computer system 240 and/or 260 is confirmed: all occur in order about all of money transfer cards 110 and client 130 and/or 140, method 300 just comprises this remittance is authorized (frame 340) so.Then, beneficiary of remittance's (being client 140 in this example) just can receive the fund of being converged from remote system 250.In certain embodiments, system 260 is only affording through just using for client 140 after a period of time this fund since 130 of first clients.In this manner, the cashless payment (for example need authorize check, credit card and other methods of payment) done for remittance in vendor location of first client 130 can get the nod before giving second client 140 with cash allocation or confirm.In addition, perhaps client 140 needs to provide remittance control number, code 116, account identifier 112,118 and/or proof of identification to system 250.In this manner, just can realize the security control wished.
[0042] Zhi Fu reception can further include the payment that receives money transfer fee.In certain embodiments, money transfer fee is deducted from the money transfer amount of being asked.In other embodiments, the client 130 who starts remittance pays them and wishes to remit payee's the amount of money, and the payment money transfer fee.So, receive payment and can have a plurality of ingredients.Payment also can comprise and is used to client to buy the part payment that various client's commodity or service are done in the retail agency of operation POS equipment 210.Database 222 can be stored the remittance request record of handling.The reception of payment record can comprise the fund that reception is collected or receive the payment record of passing through ACH or other system.
[0043] within the scope of the invention, the interaction between each parts of turnover of funds process and system 200 can be adopted several different methods.For instance, in one embodiment, client 130 uses CSR, IVR or web site interface 270 to carry out transaction.Money transfer host 260 starts the cash outlay on the card processing host 240, then main frame 260 mandate clients' 140 payment.As previously mentioned, perhaps the payment to client 140 needs client 140 that remittance control identifier, personal identification, code 116 or the like are provided.
[0044] the present invention's (comprising the described example of Fig. 1～Fig. 3) advantage is a lot.For client, client has a plurality of agencies that can start remittance now.Client can finish multitask by planned to send debt from the agency that wherein buys groceries etc. from them.In addition, client does not need to provide usually to the store clerk needed full detail of remitting money, but can carry out interaction with experienced CSR or system.As a result, client can overcome any aphasis, and obtain that remittance comes into force and brought more how comfortable.
[0045] benefit to money transfer organization is also a lot.For instance, point of sale device 210 can make the easier execution of being undertaken by credit card authorization and check licensing process of payment authorization.Money transfer host system will be accepted payment from dealer fast by ACH or other remittance disposal systems.But in certain embodiments, money transfer payments is carried out with cash by cashier's sales counter, or carries out with qualified fund.Host system operation person also is benefited because having client, and these clients are extra to having, can start and remit money and for its agency that pays the bill feels quite pleased, and these clients are by host system operation person's safety acquisition of information expertly also.
[0046] dealer to operation point of sale device 210 also is favourable.At first, dealer provides their the unexistent Additional Services of rival for client by participating in this process.This can increase client's stream of the store locations of going to them.For instance, come grocery store's purchase commodity and start remittance simultaneously, also have opposite situation although above-mentioned example has been described client.For example, perhaps client arrives groceries point and starts remittance, but they also are simultaneously the clients who buys a little commodity.Except may carrying out the additional purchases, dealer is because the commission that client and/or money transfer host are paid and the income that can obtain to increase.In one embodiment, dealer receives a spot of expense because of each remittance that this vendor location starts from money transfer organization.Another benefit to dealer is to float for the debt that dealer uses.Before debt being transferred to host computer system 240,260 during this period of time in, dealer in their account, can have they customer payment, with the debt that is associated of remittance.Those skilled in the art be appreciated that brought by the one or more parts of system of the present invention, can realize within the scope of the invention each side's of method of the present invention additional benefit.
[0047] we have described the present invention in detail.But should be appreciated that except the method that illustrates previously the present invention can also adopt several different methods to realize, and, in claim scope of the present invention, can also carry out some change and correction.For instance, remittance can carry out between two constant clients that use the remittance pair record, its details can referring to same period application, transfer generation assignee U.S. Patent application of the present invention _ _ _ _ _, its title is " In-LaneMoney Transfer Systems and Methods (a remittance system and method in the passage) ", and its whole patent specification is hereby with reference to enrolling.So scope of the present invention is not to be intended to be subjected to those specific example to limit, on the contrary, be to meet the represented scope of following claim.
Claims (20)
1, a kind of method of convenient remittance, this method comprises:
Set up money transfer records;
Receive the remittance that is associated with this money transfer records from vendor location and activate request;
Receive the fulfillment request that is associated with this money transfer records and collect customer data set; And
Authorize the remittance that this money transfer records is associated.
2, the method for convenient remittance as claimed in claim 1 also comprises money transfer cards and this money transfer records are associated, and this money transfer cards is submitted to this vendor location.
3, the method for convenient remittance as claimed in claim 2 wherein receives this remittance activation request and comprises reception and this money transfer records accounts associated identifier, and this account identifier is arranged on this money transfer cards.
4, the method for convenient remittance as claimed in claim 1, wherein this activation request comprises at least one the data clauses and subclauses that is selected from one group of data clauses and subclauses, these group data clauses and subclauses generally include account identifier, Customer Name, money transfer amount and money transfer fee.
5, the method for convenient remittance as claimed in claim 1, it also comprises sets up a plurality of money transfer records, and each money transfer records has the money transfer cards that is associated.
6, the method for convenient remittance as claimed in claim 1, wherein this money transfer records comprises money transfer amount, account identifier and code.
7, the method for convenient remittance as claimed in claim 6 wherein receives this fulfillment request and comprises from money transfer customer reception this account identifier and this code.
8, the method for convenient remittance as claimed in claim 7, it also comprises and utilizes the interactive voice question answering system to receive this fulfillment request.
9, the method for convenient remittance as claimed in claim 7, it also comprises and utilizes network address to receive this fulfillment request.
10, the method for convenient remittance as claimed in claim 1, wherein this customer data set comprises the startup person's that remits money name.
11, the method for convenient remittance as claimed in claim 1, wherein this customer data set comprises the beneficiary of remittance's name.
12, the method for claim 1, wherein this vendor location comprises retail shop.
13, a kind of method of convenient remittance, this method comprises:
Set up money transfer records and make this money transfer records and the money transfer cards pairing, this money transfer records and this money transfer cards have account identifier associated therewith;
Receive the remittance that is associated with this money transfer records and activate request, this activation request comprises this account identifier; And
Receive the remittance fulfillment request that is associated with this money transfer records, this fulfillment request comprises this account identifier.
14, method as claimed in claim 13, it also comprises the collection customer data set, this customer data set identification remittance startup person and beneficiary of remittance.
15, method as claimed in claim 14, it also comprises according to the remittance of the amount of money mandate that is associated with this money transfer records to this beneficiary of remittance.
16, a kind of system of convenient remittance, it comprises:
Host computer system comprises the processor that is coupled to database;
Wherein this host computer system also comprises:
Be used to set up the code of money transfer records;
Be used for receiving the code that the remittance that is associated with this money transfer records activates request from vendor location;
The code that is used to receive the fulfillment request that is associated with this money transfer records and collects customer data set; And
Be used for code that the remittance that is associated with this money transfer records is authorized.
17, system as claimed in claim 16, it also comprises the code that is used to make this money transfer cards and this money transfer records to be associated.
18, system as claimed in claim 17, it also comprises the point of sale device that is installed in this vendor location place, this point of sale device is suitable for:
Receive account identifier from this money transfer cards, this account identifier is associated with this money transfer records; With
Submit to this remittance to activate request to this host computer system.
19, system as claimed in claim 16, wherein this host computer system comprises first main frame and second main frame, and first main frame has the code that is used to set up this money transfer records, and second main frame has and is used for code that the remittance that is associated with this money transfer records is authorized.
20, system as claimed in claim 16, wherein this host computer system also comprises the code that is used to collect customer data set and this customer data set and this money transfer records are associated.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US11/132,710 US7641109B2 (en) | 2005-05-18 | 2005-05-18 | Money transfer cards, systems and methods |
| US11/132,710 | 2005-05-18 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101390123A true CN101390123A (en) | 2009-03-18 |
Family
ID=37431946
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006800169437A Pending CN101390123A (en) | 2005-05-18 | 2006-05-10 | Money transfer cards, systems and methods |
Country Status (7)
| Country | Link |
|---|---|
| US (1) | US7641109B2 (en) |
| EP (1) | EP1882243A4 (en) |
| CN (1) | CN101390123A (en) |
| AU (1) | AU2006247518B2 (en) |
| BR (1) | BRPI0611268A2 (en) |
| CA (1) | CA2608221A1 (en) |
| WO (1) | WO2006124690A2 (en) |
Families Citing this family (37)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8706630B2 (en) | 1999-08-19 | 2014-04-22 | E2Interactive, Inc. | System and method for securely authorizing and distributing stored-value card data |
| US20080215472A1 (en) * | 2000-06-27 | 2008-09-04 | Nicholas Ahthony Lindsay Brown | Variable use advanced messaging system and method |
| US7437328B2 (en) * | 2003-11-14 | 2008-10-14 | E2Interactive, Inc. | Value insertion using bill pay card preassociated with biller |
| US20060085335A1 (en) * | 2004-10-19 | 2006-04-20 | First Data Corporation | Point of sale systems and methods for consumer bill payment |
| US8152054B2 (en) * | 2004-10-19 | 2012-04-10 | The Western Union Company | Money transfer systems and methods |
| US7258268B2 (en) | 2005-02-28 | 2007-08-21 | Moneygram International, Inc. | Method and apparatus for money transfer |
| US8672220B2 (en) * | 2005-09-30 | 2014-03-18 | The Western Union Company | Money transfer system and method |
| US20070214091A1 (en) * | 2005-05-18 | 2007-09-13 | The Western Union Company | Electronic payment instrument system and method |
| US7354004B2 (en) * | 2005-08-23 | 2008-04-08 | The Western Union Company | Presentation instrument display and activation systems and methods |
| US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
| US7983970B1 (en) * | 2006-05-22 | 2011-07-19 | Intermex Wire Transfer, LLC | Secure telewire process for authorizing wire transfers |
| US20070272736A1 (en) * | 2006-05-24 | 2007-11-29 | Jason Brooks | Systems and methods for transferring value between stored value systems |
| US7844547B2 (en) * | 2006-08-21 | 2010-11-30 | Carl Raymond Amos | Uncle gem IV, universal automatic instant money, data and precious metal and stone transfer machine |
| US7878393B2 (en) | 2006-12-07 | 2011-02-01 | Moneygram International, Inc. | Method and apparatus for distribution of money transfers |
| US20080172331A1 (en) * | 2007-01-16 | 2008-07-17 | Graves Phillip C | Bill Payment Card Method and System |
| US8788278B2 (en) * | 2007-08-28 | 2014-07-22 | Moneygram International, Inc. | Consumer database loyalty program for a money transfer system |
| US8019679B2 (en) * | 2007-10-18 | 2011-09-13 | Moneygram International, Inc. | Global compliance processing system for a money transfer system |
| US20090327121A1 (en) * | 2008-06-27 | 2009-12-31 | The Western Union Company | Monetary gift registry methods and systems |
| US7860772B2 (en) * | 2008-09-30 | 2010-12-28 | Ebay, Inc. | Funding on-line accounts |
| US20100100426A1 (en) * | 2008-10-16 | 2010-04-22 | Moneygram International, Inc. | Agent management system |
| US9177309B2 (en) * | 2009-09-24 | 2015-11-03 | Nippon Telegraph And Telephone Corporation | Electronic settlement method, system, server and program thereof |
| US20110137740A1 (en) | 2009-12-04 | 2011-06-09 | Ashmit Bhattacharya | Processing value-ascertainable items |
| US9092763B2 (en) | 2009-12-30 | 2015-07-28 | Moneygram International, Inc. | Retail sale money transfer system |
| US10068287B2 (en) | 2010-06-11 | 2018-09-04 | David A. Nelsen | Systems and methods to manage and control use of a virtual card |
| US20130036017A1 (en) * | 2011-08-05 | 2013-02-07 | Ivason Galloway | Financial card for online fund transfer and method therefor |
| US10402795B2 (en) | 2012-01-05 | 2019-09-03 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
| EP2839420A4 (en) * | 2012-04-18 | 2015-11-04 | Mobilis Networks Ltd | Method and system for conducting a money transfer and/or payment transaction |
| US8738520B2 (en) * | 2012-04-23 | 2014-05-27 | Moneygram International, Inc. | Send and receive side control of money transfer parameters |
| US11055686B2 (en) | 2012-08-08 | 2021-07-06 | E2Interactive, Inc. | S/M for providing, reloading, and redeeming stored value cards used in transit applications |
| US8657688B1 (en) | 2012-11-26 | 2014-02-25 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
| US10755245B2 (en) | 2013-02-25 | 2020-08-25 | Moneygram International, Inc. | Money transfer system having location based language and dynamic receipt capabilities |
| US9754252B2 (en) * | 2013-02-27 | 2017-09-05 | Capital One Financial Corporation | System and method for providing a user-loadable stored value card |
| US10192204B2 (en) | 2013-08-01 | 2019-01-29 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
| GB2519302B (en) | 2013-10-15 | 2016-04-20 | Gloucestershire Hospitals Nhs Foundation Trust | Apparatus for artificial cardiac stimulation and method of using the same |
| US10062075B2 (en) | 2013-11-04 | 2018-08-28 | E2Interactive, Inc. | Systems and methods for using a dual function medical benefits card |
| US11257066B2 (en) | 2016-09-30 | 2022-02-22 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
| US10776772B2 (en) | 2016-09-30 | 2020-09-15 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
Family Cites Families (165)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US3599151A (en) | 1969-12-29 | 1971-08-10 | Ibm | Character recognition photosensing apparatus having a threshold comparator circuit |
| US3783755A (en) * | 1972-06-05 | 1974-01-08 | H Lagin | Apparatus for applying indicias to sheets |
| US3833395A (en) | 1972-09-11 | 1974-09-03 | Burroughs Corp | Continuous form computer print-out document protection system |
| US4032931A (en) | 1975-12-22 | 1977-06-28 | Haker Floyd H | Money transfer device keyboard terminal |
| US4321672A (en) * | 1979-11-26 | 1982-03-23 | Braun Edward L | Financial data processing system |
| US4385285A (en) | 1981-04-02 | 1983-05-24 | Ncr Corporation | Check dispensing terminal |
| US4454414A (en) | 1982-06-16 | 1984-06-12 | Vericard Corporation | Funds transfer system using optically coupled, portable modules |
| JPS5972572A (en) | 1982-10-19 | 1984-04-24 | Omron Tateisi Electronics Co | Terminal device for settlement of credit transaction |
| JPS5979375A (en) | 1982-10-29 | 1984-05-08 | Omron Tateisi Electronics Co | Facility for settling transactions |
| JPS59153261A (en) | 1983-02-18 | 1984-09-01 | Omron Tateisi Electronics Co | Transaction processor |
| JPH079678B2 (en) | 1983-03-01 | 1995-02-01 | オムロン株式会社 | Electronic cash register |
| US5021967A (en) | 1984-04-03 | 1991-06-04 | Republic Money Orders, Inc. | Apparatus for dispensing money orders |
| US4812628A (en) * | 1985-05-02 | 1989-03-14 | Visa International Service Association | Transaction system with off-line risk assessment |
| JPS62256283A (en) | 1986-04-26 | 1987-11-07 | Canon Inc | Optical memory card |
| US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
| US4722554A (en) * | 1986-08-27 | 1988-02-02 | St. Ives Laboratories, Inc. | Alternative-value paper refund form |
| US5053607A (en) | 1986-10-06 | 1991-10-01 | Carlson Steven R | Point-of-sale device particularly adapted for processing checks |
| US4795892A (en) * | 1987-12-09 | 1989-01-03 | Cic Systems, Inc. | Pre-paid commodity system |
| US4902881A (en) * | 1988-06-10 | 1990-02-20 | Faxplus Corporation | Parallel process communications terminal and network |
| US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
| US4972318A (en) | 1988-09-09 | 1990-11-20 | Iron City Sash & Door Company | Order entry and inventory control method |
| US5119293A (en) | 1988-09-16 | 1992-06-02 | Republic Money Orders, Inc. | System and apparatus for dispensing negotiable instruments |
| US5870724A (en) * | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
| US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
| US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
| US6539363B1 (en) * | 1990-08-30 | 2003-03-25 | Ncr Corporation | Write input credit transaction apparatus and method with paperless merchant credit card processing |
| US5367452A (en) | 1990-10-05 | 1994-11-22 | Carts Of Colorado, Inc. | Mobile merchandising business management system which provides comprehensive support services for transportable business operations |
| US5175682A (en) | 1990-12-14 | 1992-12-29 | Verifone, Inc. | Check system and method including prioritizing checks for transmission to banks for processing |
| AU659136B2 (en) | 1991-03-12 | 1995-05-11 | Openbet Retail Limited | Apparatus and method for generating a receipt |
| US5832457A (en) | 1991-05-06 | 1998-11-03 | Catalina Marketing International, Inc. | Method and apparatus for selective distribution of discount coupons based on prior customer behavior |
| US5233167A (en) | 1991-06-24 | 1993-08-03 | Positek Incorporated | Multi-function terminal |
| US5783808A (en) | 1996-01-11 | 1998-07-21 | J. D. Carreker And Associates, Inc. | Electronic check presentment system having transaction level reconciliation capability |
| US5510979A (en) * | 1991-07-30 | 1996-04-23 | Restaurant Technology, Inc. | Data processing system and method for retail stores |
| AU3058292A (en) | 1991-10-30 | 1993-06-07 | Computer Based Controls, Inc. | Financial document dispensing apparatus and method |
| US5453601A (en) * | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
| US5865470A (en) * | 1992-05-12 | 1999-02-02 | Thompson; Kenneth | Peel off coupon redemption card with microprocessor chip and tracking system |
| US5334821A (en) * | 1992-07-16 | 1994-08-02 | Telxon Corporation | Portable point of sale terminal |
| US5491325A (en) * | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
| US5283829A (en) * | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
| US5825617A (en) | 1992-10-02 | 1998-10-20 | Teletransactions, Inc. | Workslate computer having modular device docking stations on horizontal and vertical side portions |
| US5504677A (en) * | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
| US5484988A (en) * | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
| US5267314A (en) | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
| US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
| JPH06243158A (en) | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | Foreign remittance business processing system |
| US5426594A (en) | 1993-04-02 | 1995-06-20 | Motorola, Inc. | Electronic greeting card store and communication system |
| US5513117A (en) * | 1993-04-30 | 1996-04-30 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
| US5794207A (en) | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
| US5570465A (en) | 1993-07-22 | 1996-10-29 | Tsakanikas; Peter J. | Apparatus, method and system for printing of legal currency and negotiable instruments |
| USRE36365E (en) * | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
| US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
| GB2283349A (en) * | 1993-10-29 | 1995-05-03 | Ibm | Transaction processing system |
| US5465206B1 (en) * | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
| US5550734A (en) | 1993-12-23 | 1996-08-27 | The Pharmacy Fund, Inc. | Computerized healthcare accounts receivable purchasing collections securitization and management system |
| US5774879A (en) | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
| GB9401757D0 (en) | 1994-01-31 | 1994-03-23 | Neopost Ltd | Franking machine |
| CA2182596C (en) | 1994-02-04 | 2004-04-20 | James E. Biorge | Method and system for allocating and redeeming incentive credits between a portable device and a base device |
| US5557516A (en) | 1994-02-04 | 1996-09-17 | Mastercard International | System and method for conducting cashless transactions |
| US5461217A (en) | 1994-02-08 | 1995-10-24 | At&T Ipm Corp. | Secure money transfer techniques using smart cards |
| US5555496A (en) | 1994-05-06 | 1996-09-10 | Mary T. Tackbary | Method and apparatus for communicating with a card distribution center for management, selection, and delivery of social expression cards |
| US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
| US6502745B1 (en) * | 1994-06-06 | 2003-01-07 | Call Processing, Inc. | Pre-paid card system and method |
| US5577109A (en) | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
| US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
| EP0789883A4 (en) * | 1994-09-28 | 2002-07-31 | Gordon T Brown | Automated accounting system |
| US5909673A (en) | 1994-09-29 | 1999-06-01 | Gregory; Edward M. | Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office |
| US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
| US5679938A (en) | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
| US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
| US5732136A (en) * | 1995-01-31 | 1998-03-24 | Realsource Communications, Inc. | Merchant specific debit card verification system |
| US5650604A (en) | 1995-02-22 | 1997-07-22 | Electronic Data Systems Corporation | System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds |
| US5717868A (en) * | 1995-03-07 | 1998-02-10 | Huntington Bancshares Inc. | Electronic payment interchange concentrator |
| US5787403A (en) | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
| US5553145A (en) | 1995-03-21 | 1996-09-03 | Micali; Silvia | Simultaneous electronic transactions with visible trusted parties |
| US5622388A (en) * | 1995-03-23 | 1997-04-22 | Alcordo; Isabelo S. | Postcard rank check |
| US5903633A (en) | 1995-03-27 | 1999-05-11 | Smarttalk Teleservices, Inc. | Method and apparatus for prepaid phone card activation and billing |
| US5677955A (en) | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
| US5546523A (en) | 1995-04-13 | 1996-08-13 | Gatto; James G. | Electronic fund transfer system |
| US5745886A (en) * | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
| WO1997002539A1 (en) * | 1995-07-06 | 1997-01-23 | Hitachi, Ltd. | Electronic money sending system |
| AU6648296A (en) | 1995-07-20 | 1997-02-18 | Dallas Semiconductor Corporation | An electronic micro identification circuit that is inherently bonded to a someone or something |
| US5799072A (en) | 1995-07-21 | 1998-08-25 | Callmanage | Telecommunications call management system |
| US6223168B1 (en) * | 1995-07-25 | 2001-04-24 | Bottomline Technologies, Inc. | Automatic remittance delivery system |
| US5893080A (en) * | 1995-07-25 | 1999-04-06 | Bottomline Technologies, Inc. | Disbursement system and method |
| US5859419A (en) * | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
| US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
| US5757917A (en) | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
| US5657201A (en) | 1995-11-06 | 1997-08-12 | Teletransactions, Inc. | Portable data collection terminal including arm mounting assembly |
| US5673309A (en) * | 1995-11-17 | 1997-09-30 | Avery Dennison Corporation | ATM phone card system |
| US5777305A (en) * | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
| JPH09212549A (en) * | 1996-01-31 | 1997-08-15 | Hitachi Ltd | Method and system for electronic commerce |
| US5686713A (en) | 1996-02-22 | 1997-11-11 | Rivera; Antonio | Apparatus and method for allowing a money order purchase via an ATM |
| US5870718A (en) * | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
| US20020023055A1 (en) * | 1996-03-01 | 2002-02-21 | Antognini Walter Gerard | System and method for digital bill presentment and payment |
| US5832463A (en) | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
| US6044360A (en) * | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
| US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
| US5902983A (en) | 1996-04-29 | 1999-05-11 | International Game Technology | Preset amount electronic funds transfer system for gaming machines |
| US5897989A (en) * | 1996-07-23 | 1999-04-27 | Beecham; James E. | Method, apparatus and system for verification of infectious status of humans |
| US6039245A (en) * | 1996-06-10 | 2000-03-21 | Diebold, Incorporated | Financial transaction processing system and method |
| US6178409B1 (en) * | 1996-06-17 | 2001-01-23 | Verifone, Inc. | System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
| US5903880A (en) | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
| US6015087A (en) * | 1996-10-04 | 2000-01-18 | First Data Corporation | Apparatus and method for leasing documents of value |
| US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
| US5779379A (en) | 1997-03-28 | 1998-07-14 | Interbold | Receipt form handling system for automated banking machine |
| US6199761B1 (en) * | 1996-12-09 | 2001-03-13 | Drexler Technology Corporation | Validation method for electronic cash cards and digital identity cards utilizing optical data storage |
| US6193155B1 (en) * | 1996-12-09 | 2001-02-27 | Walker Digital, Llc | Method and apparatus for issuing and managing gift certificates |
| US5878211A (en) * | 1996-12-20 | 1999-03-02 | N C R Corporation | Multi-functional retail terminal and associated method |
| US6145738A (en) * | 1997-02-06 | 2000-11-14 | Mr. Payroll Corporation | Method and apparatus for automatic check cashing |
| US6035406A (en) * | 1997-04-02 | 2000-03-07 | Quintet, Inc. | Plurality-factor security system |
| US6193152B1 (en) * | 1997-05-09 | 2001-02-27 | Receiptcity.Com, Inc. | Modular signature and data-capture system and point of transaction payment and reward system |
| US5828875A (en) | 1997-05-29 | 1998-10-27 | Telefonaktiebolaget Lm Ericsson | Unroll of instructions in a micro-controller |
| US6012048A (en) * | 1997-05-30 | 2000-01-04 | Capital Security Systems, Inc. | Automated banking system for dispensing money orders, wire transfer and bill payment |
| US5897625A (en) * | 1997-05-30 | 1999-04-27 | Capital Security Systems, Inc. | Automated document cashing system |
| US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
| US6018724A (en) * | 1997-06-30 | 2000-01-25 | Sun Micorsystems, Inc. | Method and apparatus for authenticating on-line transaction data |
| US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
| US5896298A (en) * | 1997-08-08 | 1999-04-20 | Carreker-Antinori, Inc. | System and method for providing central notification of issued items |
| US5899980A (en) | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
| US5910988A (en) * | 1997-08-27 | 1999-06-08 | Csp Holdings, Inc. | Remote image capture with centralized processing and storage |
| US6044362A (en) * | 1997-09-08 | 2000-03-28 | Neely; R. Alan | Electronic invoicing and payment system |
| US6030000A (en) * | 1997-09-12 | 2000-02-29 | Diamond Security, Inc. | Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image |
| US6119931A (en) * | 1997-10-02 | 2000-09-19 | Novogrod; John C. | System and method for requesting and dispensing negotiable instruments |
| US6027216A (en) * | 1997-10-21 | 2000-02-22 | The Johns University School Of Medicine | Eye fixation monitor and tracker |
| US6047268A (en) * | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
| US6223166B1 (en) * | 1997-11-26 | 2001-04-24 | International Business Machines Corporation | Cryptographic encoded ticket issuing and collection system for remote purchasers |
| US5930773A (en) * | 1997-12-17 | 1999-07-27 | Avista Advantage, Inc. | Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems |
| US6052674A (en) * | 1997-12-23 | 2000-04-18 | Information Retrieval Consultants (Europe, Middle East, Africa ) Limited | Electronic invoicing and collection system and method with charity donations |
| US6206283B1 (en) * | 1998-12-23 | 2001-03-27 | At&T Corp. | Method and apparatus for transferring money via a telephone call |
| US6011833A (en) * | 1998-08-11 | 2000-01-04 | Florafax International, Inc | Talking bouquet |
| US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
| US6175823B1 (en) * | 1998-09-15 | 2001-01-16 | Amazon.Com, Inc. | Electronic gift certificate system |
| US6360254B1 (en) * | 1998-09-15 | 2002-03-19 | Amazon.Com Holdings, Inc. | System and method for providing secure URL-based access to private resources |
| US6999569B2 (en) * | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
| US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
| US6510453B1 (en) * | 1999-02-26 | 2003-01-21 | Microsoft Corporation | System and method for creating and inserting multiple data fragments into an electronic mail message |
| US6216277B1 (en) * | 1999-03-12 | 2001-04-17 | Peter S. C. Cheng | Collapsible hat and method of collapsing the hat |
| US7386516B2 (en) * | 1999-09-10 | 2008-06-10 | Metavante Corporation | System and method for providing secure services over public and private networks using a removable portable computer-readable storage |
| US6994251B2 (en) * | 1999-10-26 | 2006-02-07 | First Data Corporation | Cash payment for remote transactions |
| US6814282B2 (en) * | 1999-10-26 | 2004-11-09 | First Data Corporation | Systems and methods of introducing and receiving information across a computer network |
| US6502747B1 (en) * | 1999-10-26 | 2003-01-07 | First Data Corporation | System and method for performing money transfer transaction using TCP/IP |
| US7104440B2 (en) * | 1999-10-26 | 2006-09-12 | First Data Corporation | Money transfer systems and methods for travelers |
| US20030069856A1 (en) * | 2001-10-10 | 2003-04-10 | First Data Corporation | Method and system for performing money transfer transactions |
| US6347305B1 (en) * | 1999-10-29 | 2002-02-12 | E-Duction, Inc. | Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce |
| US7849009B2 (en) * | 1999-12-29 | 2010-12-07 | The Western Union Company | Methods and apparatus for mapping sources and uses of consumer funds |
| US6847947B1 (en) * | 2000-01-18 | 2005-01-25 | First Data Corporation | Method and system for reduced cost debit processing |
| AU2001243658B2 (en) * | 2000-03-15 | 2005-12-15 | Mastercard International Incorporated | Method and system for secure payments over a computer network |
| WO2001088804A1 (en) * | 2000-05-15 | 2001-11-22 | Efunds Corporation | System for and method of effecting an electronic transaction |
| US7599847B2 (en) * | 2000-06-09 | 2009-10-06 | Airport America | Automated internet based interactive travel planning and management system |
| EP1193627A1 (en) * | 2000-06-28 | 2002-04-03 | Hitachi, Ltd. | Method and system for exchanging value points between IC cards |
| EP1312012A4 (en) * | 2000-07-11 | 2006-09-06 | First Data Corp | Wide area network person-to-person payment |
| US8452704B2 (en) * | 2000-07-11 | 2013-05-28 | Citicorp Credit Services, Inc. | Method and system for on-line payments |
| US6526130B1 (en) * | 2000-07-19 | 2003-02-25 | Ewi Holdings, Inc. | System and method for distributing personal identification numbers over a computer network |
| US20020032653A1 (en) * | 2000-08-22 | 2002-03-14 | Daniel Schutzer | Method and system for payment over the internet |
| US20030028491A1 (en) * | 2000-08-25 | 2003-02-06 | Cooper Jonathan D. | Improved money transfer system and method with added security features |
| US20020046116A1 (en) * | 2000-09-08 | 2002-04-18 | William Hohle | System and method for loyalty program distribution and settlement |
| US7165052B2 (en) * | 2001-03-31 | 2007-01-16 | First Data Corporation | Payment service method and system |
| US7182252B1 (en) * | 2001-06-08 | 2007-02-27 | Telecommusa, Ltd. | Methods and systems for transferring funds |
| US7769686B2 (en) * | 2001-09-18 | 2010-08-03 | The Western Union Company | Method and system for transferring stored value |
| US6854651B2 (en) * | 2002-07-01 | 2005-02-15 | Wildseed Ltd. | Non-persistently displayed bar code based data input method and apparatus |
| US20040007618A1 (en) * | 2002-07-10 | 2004-01-15 | Scott Oram | Prepaid credit card method |
| US7195151B2 (en) * | 2003-02-25 | 2007-03-27 | American Cash Exchange, L.L.C. | Method and system for automated value transfer |
| US20040205023A1 (en) * | 2003-04-08 | 2004-10-14 | First Data Corporation | Money transfer convenience card, systems and methods |
| US7309000B2 (en) * | 2003-07-02 | 2007-12-18 | United States Postal Service | System and method for tracking shipment of items utilizing RFID-tags |
| US8925823B2 (en) * | 2005-09-22 | 2015-01-06 | E2Interactive, Inc. | Activation number generation and association |
-
2005
- 2005-05-18 US US11/132,710 patent/US7641109B2/en not_active Expired - Fee Related
-
2006
- 2006-05-10 CA CA002608221A patent/CA2608221A1/en not_active Abandoned
- 2006-05-10 EP EP06759768A patent/EP1882243A4/en not_active Withdrawn
- 2006-05-10 CN CNA2006800169437A patent/CN101390123A/en active Pending
- 2006-05-10 BR BRPI0611268-4A patent/BRPI0611268A2/en not_active IP Right Cessation
- 2006-05-10 AU AU2006247518A patent/AU2006247518B2/en not_active Ceased
- 2006-05-10 WO PCT/US2006/018580 patent/WO2006124690A2/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| AU2006247518B2 (en) | 2009-12-17 |
| US7641109B2 (en) | 2010-01-05 |
| AU2006247518A1 (en) | 2006-11-23 |
| CA2608221A1 (en) | 2006-11-23 |
| EP1882243A4 (en) | 2010-07-21 |
| WO2006124690A2 (en) | 2006-11-23 |
| US20060261150A1 (en) | 2006-11-23 |
| BRPI0611268A2 (en) | 2010-11-23 |
| EP1882243A2 (en) | 2008-01-30 |
| WO2006124690A3 (en) | 2008-06-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101390123A (en) | Money transfer cards, systems and methods | |
| US5974146A (en) | Real time bank-centric universal payment system | |
| US20060085335A1 (en) | Point of sale systems and methods for consumer bill payment | |
| US20100205091A1 (en) | Automated payment transaction system | |
| US20070061255A1 (en) | Point of Sale Credit System | |
| CN101443821A (en) | In-lane money transfer systems and methods | |
| US20030229540A1 (en) | Rebate issuance and reconciliation systems and methods | |
| US20020072942A1 (en) | System and method for push-model fund transfers | |
| EP1049056A2 (en) | Electronic bill presentment and/or payment clearinghouse | |
| US7296003B2 (en) | Method and apparatus for facilitating manual payments for transactions conducted over a network | |
| KR102094101B1 (en) | Interlocked digital currency system and method thereof, Payment system between electronic wallets interlocked to the dedicated digital currency, and method thereof | |
| JP2008501165A (en) | Real-time point-of-sale (POS) address change processing | |
| US7865433B2 (en) | Point of sale purchase system | |
| CN102073964A (en) | Commodity transaction method and transaction system | |
| CA2485881A1 (en) | Cashless transaction system | |
| WO1996029668A1 (en) | Debit card system and method for implementing incentive award program | |
| US7783537B1 (en) | Method and apparatus for conditional payment to a seller | |
| JP2002150188A (en) | Method, device and system for commercial transaction | |
| US20070078787A1 (en) | Method and apparatus for conducting transactions over a network | |
| US20030041022A1 (en) | Electronic money instrument | |
| JP2003085465A (en) | Computer system, control method of computer system and program | |
| JP2003534604A (en) | System and method for facilitating payment over the internet or similar communication medium | |
| US20030115140A1 (en) | Payment method for on-line purchases | |
| US20050071268A1 (en) | Method of making payments by cash over a network | |
| JP2002203188A (en) | Credit card settlement method, its device, card management device, and card usage limit amount management method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20090318 |